slice of koh

I’m facing the same question myself.  The Dow Jones Index has reached levels not seen since I was in seventh grade.  Who thought that would happen?  The investor mantra is to buy low and sell high.  One would think this is a great opportunity for a young investor like myself.

Before you ever consider investing in the stock market especially if you recently graduated, there are five questions you should ask yourself before making committing your precious cash to this investment decision.

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It’s a pretty bad time to graduate from college or any form of school.  Unemployment is hovering at 7.6% and continues to climb.  More people are in line for their unemployment benefits.   Since I was curious, I walked into a  McDonalds one morning to ask for an employment application.  The employee apologized and said that they ran out of employment applications and too many people applied.  You know times are pretty bad when McDonalds start turning away people.  This is especially challenging for recent college graduates who are just starting out and learning to live on their own paychecks.  The majority of those recent college graduates will have some sort of debt from student loans (private and federal) and credit cards.  I just graduated from college in June 2007, and I am still fortunate to be employed and paid pretty damn well for just having a bachelors degree.  Nonetheless, I am still cautious with my personal finances and definitely had a few missteps of my own in the first 12 months.

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